Foundation Class38% readiness targetRebuilding stage: inconsistent cash flow, limited reserves, missing documents, damaged credit, or no clear financial system.
- Active bank account
- Current ID and proof of address
- Budget map
- Document vault
- Credit/public-record review
Established Class61% readiness targetStability stage: income is present, but credit, debt, savings, tax records, or side income still need structure.
- Emergency reserve
- Clean payment calendar
- Credit utilization plan
- Second income idea
- Better Day follow-up schedule
Growth Class78% readiness targetGrowing stage: ready to prepare for home ownership, business banking, funding readiness, or income expansion.
- Business bank account
- Business entity checklist
- Tradeline education
- Tax transcript readiness
- Goal-specific funding prep
Legacy Class91% readiness targetLegacy stage: organized credit, multiple income streams, asset protection, long-term planning, and portfolio-income education.
- Trust education
- Portfolio-income plan
- Business credit strategy
- Insurance review
- Estate/professional advisor handoff